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EFX EFX

UnknownUnknownN/A📅 Scored April 7, 2026
Price at analysis: $183.49
Crucible Score
57.4
C
Quality × Value Composite
KQI — Quality
56.9
C
Fundamental Quality Index
KVI — Value
58.1
C
Valuation Attractiveness Index
Crucible Verdict — EFX

Equifax (EFX) trades at a modest discount to fair value despite solid financial quality and strong diversification metrics that outpace its mediocre growth profile. The credit reporting giant's 68 financial quality score and 72 resilience rating provide defensive appeal, though insider selling and below-average growth prospects of 47 limit upside potential. Monitor whether management can accelerate organic expansion.

— Kal, Kaladin Capital Intelligence

◆ KQI Quality Dimensions

Financial Quality
67.5
Growth Profile
46.6
Moat Durability⚠
49.6
Management Effectiveness
54.1
Diversification & Resilience⚠
72.0
Market Position
68.0
Weakest dimension: Growth Profile (46.6)

◆ KVI Value Dimensions

DCF Margin of Safety
63.4
FCF Yield & Cash Returns
59.3
Relative Valuation
67.5
Growth-Adjusted Value
17.3
Historical Valuation
89.7
Macro Context
51.0

◆ DCF Valuation Scenarios

Bear Case
$139.52
Base Case
$207.18
Bull Case
$302.45
Price at Analysis
$183.49
ScenarioFair ValueRev CAGR (5yr)Terminal MarginWACC
🔴 Bear$139.524.0%17.0%12.8%
🟢 Base$207.186.0%19.0%11.8%
🟢 Bull$302.458.0%22.0%10.8%
Key Assumptions: WACC derived using CAPM with 4.35% risk-free rate, 1.56 beta, and 5.5% ERP yielding ~12.93% cost of equity, blended with after-tax cost of debt (~4.5%) at ~52% equity weighting for base case of 11.85%. Revenue growth anchored to historical 5-year CAGR of ~5.4% with operating margins reflecting the 17-23% historical range; capex intensity normalized at 8.5% of revenue reflecting the declining trend from ~12.7% to ~7.9%. Bear case assumes macro headwinds compress margins toward the low end and slow growth, while bull case assumes successful cloud transformation drives margin expansion and accelerated organic growth.

◆ Financial Snapshot

Profitability

Gross Margin44.6%
Operating Margin18.0%
Net Margin10.9%
ROIC7.6%
ROE12.6%

Balance Sheet

Balance SheetCR: 0.60
Cash ConversionFCF/EPS: 1.72x
Capital IntensityCapex/Rev: 7.9%
Altman Z-Score3.34 (Safe)
Piotroski F-Score7/9 (Good)

Growth

Revenue CAGR-40.7% CAGR (suspect)
Earnings CAGR-45.4% CAGR (suspect)
Growth ConsistencyCV: 10.24
Segment Breadth3/3 growing (100%)
Quarterly TrendMargin↓↓, WC↓, Exp↓
Earnings CredibilityTends to Beat

◆ Analyst Consensus & Leadership

Leadership & Governance

CEOMark Begor · 8 years
CEO Ownership1.7%
Compensation79% performance-based
Insider ActivitySelling
Capital AllocationROIC 7.6% vs WACC 3.3%
Earnings Beat Rate65% (13/22)

◆ Related Companies in Our Universe

Other Unknown companies scored by the Crucible:

ADBE81.8A-NICE80.7A-DECK79.9A-INTU79.9A-EXEL78.3A-MTCH78.2A-TTD78.0B+
MethodologyAll ScoresCrucible BriefsPerformance@KaladinCI

Analysis conducted April 7, 2026 based on most recent SEC filings. Updated quarterly, after new SEC filings.

Point-in-time fundamental analysis. Not investment advice. Scores reflect company quality and valuation at time of analysis and may not reflect current market conditions.

© 2026 Kaladin Capital Intelligence — Conviction Through Scrutiny